I agree. I also beleive that the insurance companys are charging younger drivers a lot more, To try and keep them off the roads.
I agree. I also beleive that the insurance companys are charging younger drivers a lot more, To try and keep them off the roads.
Forget about online 'Comparison' sites that spend a fortune advertising on television...if they have that much money to spare, think where it is coming from. They are paid on commission by the various insurers, and beleive me, they take a VERY healthy cut.
Grab your Yellow Pages and see if you have a branch of A-Plan or Swinton near you, and go in and have a chat.. When I insured my cars through A-plan I enquired about the best way to get insurance for EmmyLou in a year or two...they told me that if I were to insure her (at 17) fully comp in a Nissan Micra or similar it would cost...between £750 and £900 a YEAR! This would be her own policy in her name..not as a named driver on my policy...admittedly that would have been slightly cheaper at the start, but by the time she was 20-something then she would not have any NCB, so it was the best way to future cheap insurance for her.
(NOTE>>The guy DID say that girls got cheaper insurance than blokes because they are less likely to play Street Racers in clapped out bangers.....but then again, he doesn't know EmmyLou!!!!)
Grab your Yellow Pages and see if you have a branch of A-Plan or Swinton near you, and go in and have a chat.. When I insured my cars through A-plan I enquired about the best way to get insurance for EmmyLou in a year or two...they told me that if I were to insure her (at 17) fully comp in a Nissan Micra or similar it would cost...between £750 and £900 a YEAR! This would be her own policy in her name..not as a named driver on my policy...admittedly that would have been slightly cheaper at the start, but by the time she was 20-something then she would not have any NCB, so it was the best way to future cheap insurance for her.
(NOTE>>The guy DID say that girls got cheaper insurance than blokes because they are less likely to play Street Racers in clapped out bangers.....but then again, he doesn't know EmmyLou!!!!)
Although price's on comparision sites may not be accurate all the time, they are good to get idea's on what companys to talk to. Just do a search, and pick the cheapest ones out of the list, then goto them seperately to get an accurate quote.
Insurance becomes even more of a joke, when you pay a £400 deposit and then have to wait upto 7 fricking days before you can buy tax and acutally use the car....
I dont know if its just a US insurance company or not but do you have Progressive Auto Insurance?
Insurance is even worse here. For me to get insurance on any manual 125cc bike is upwards of €6000. It's around €4000 for a <125cc semi-auto/auto.
Yet I'm insured on a 3.8 tonne 4.4L tractor for €150 a year. Now I wonder which would do more damage
Next year to get added onto my mum's insurance on a friggin' 1L Yaris is €5000. But I need to be driving as a named driver for a couple of years before university, otherwise I'll be paying over €5000 for my own policy by then
Insurance is a scam really. Look at how much the companies make, against how often they pay out significant amounts. They'd still make massive profits if they halved their rates IMO
Yet I'm insured on a 3.8 tonne 4.4L tractor for €150 a year. Now I wonder which would do more damage
Next year to get added onto my mum's insurance on a friggin' 1L Yaris is €5000. But I need to be driving as a named driver for a couple of years before university, otherwise I'll be paying over €5000 for my own policy by then
Insurance is a scam really. Look at how much the companies make, against how often they pay out significant amounts. They'd still make massive profits if they halved their rates IMO
lol. UK is a rip for insurance.
NZ its optional and my insurance for an Subaru Legacy Outback (2.5Ltr AWD) is $400/year for me and my wife to drive fully comp (About 170UK)
NZ its optional and my insurance for an Subaru Legacy Outback (2.5Ltr AWD) is $400/year for me and my wife to drive fully comp (About 170UK)
Man you guys have it rough! My family has 7 cars and pay $2800 combined for all of them. I'm 17 and my sister is 18. 5 of those cars are V8's with 300+ HP. I've said it before but maybe if you went and burned down a few brokers you could negotiate a more fair price? The fact that you pay a little less than I do for one 1L engine car is absolutely ridiculous.
I just got a quote for mine. $260.00 a month for me, Yay....
But US is only straights, how can you possibly crash?
What happens if an uninsured driver (legally) hits someone and causes serious injury that would have a 6 or 7 figure pay out in the UK?
My parents have progressive auto insurance and their bill is $53 a month and once im added its going to be about another $150 becuase im under 25 and im a male..I guessing the male part is because they think males will think about racing and showing off...
I pay $218 for three cars, but thats only because the Caddy has everything known to man on it.
Its absurd how much you guys pay over there.
There is NO personal injury payouts in NZ at all. We have a gov system which covers all forms of accidents (no matter the cause) and pays out all medical and other medical and disability claims that result from an accident.
This means your car insurance just becomes cover for the "things" damaged, not the people. So in the uninsured person its courts or your own insurance. On the whole I believe most have cover (At least 1/3 party). 1/3 party is normally V cheap to get.
Personally I would like to see forced 1/3 party as would control young kids in cheap powerful cars.
lucky !!, if all my plans prosper ill be paying 3100 on a renault kangoo dci.... either that or second driver on a audi A3.... either way im getting my genitals removed by AXA insurance inc.
I just found a great site for insurance http://bell.co.uk/ (though they stop giving quotes after 2330BST for whatever reason), if you list both your parents as named drivers (assuming they have a clean licence) it will more than half your quotes :|
I remember a magazine a few years ago in which they rang around insurance companies trying to get a quote for a (hypothetical) 17 year old lad with an Aston Martin Vantage. Only one said they would and the quote they gave was £29000
I'm not sure I understand. So the gov pays for the medical expense no matter whose fault the accident was? If i decided to go out and crash into somebody and injure them, its all good? I'm very likely getting this wrong; it doesn't sound like a fitting punishment. in the event of an uninsured driver hitting you and causing injury, your insurance would pay for your car, the gov pays for your injury, and the uninsured motorist gets off scot free? Why would anyone buy insurance if their car is worth less than they can afford to replace?
Separate: In the US, If you hit somebody your insurance pays for your car, their car, and any injuries caused by the accident (to a certain extent). if I understand correctly in other countries your insurance pays for your car, their insurance pays for their car and ditto for injuries. I'm not sure what system is better but I sure as hell know which costs less and is easier to obtain.
I hope i haven't gotten everyting wrong and made an ass of myself
In NZ we call it free medical care, this means that everyone recieves medical attention if they need it.
While I'm sure that only treating the rich is a great plan for the Land of the Fee we tend to think that all people are equal and have the same rights to health care, as well as education etc ( Damn Socialist Countries. )
Insurance is for property damage, hit something expensive and it pay's to be insured. There's no compalsory third party yet but hopefully soon. Mind you, I'd often rather deal with an uninsured driver than an insurance company. At least you can get personal satisfaction from an individual, you need to be really sharp to get anything out of a corporate fascist pool of pond scum.
Here are some figures from the US Census ........
In 2006, the U.S. census reported that 46 million Americans (recently revised downward to 45 million) have no health insurance.2
“Over a third (36%) of families living below the poverty line are uninsured. Hispanic Americans (34%) are more than twice as likely to be uninsured as white Americans,
(13%) while 21% of black Americans have no health insurance.”3
http://www.michaelmoore.com/si ... a/SiCKO_sickofactoids.pdf
The gov scheme is not just cars. If you have ANY form of accident: Car crash, fall down stairs. Any accident the scheme kicks in and pays part to all medical and can pay out disability allowances depending on injury etc. Because of the scheme you CANT take people to court for personal injury claims.
BTW: This scheme does NOT pay out the millions you can sue for in the US.
The insurance thing is a different matter though. First I must say that you can also drive at 15 years old....
You can see where this is going cant you. More and more people want manditory insurance because it will help control what cars young kids can drive. Too many go get a WRX for a $1 down and then end up dead.
The drive at 15 is a hang up from years back to allow rural kids to get around due to sparse population. These kids probably drive tractors from young ages. The licence allows driving between something like 7am and 9pm.
Move on to modern day and the law still stands. But now we have lots of cheap high power cars like Skylines, WRX and EVO available on easy finance and we have a problem.
Personally I like the idea of insurance, yes it is expensive but it is a form of people having to take responsibility for their actions. Over here healthcare is free with the exception of road accident victims where the insurer/responsible party is expected to foot the bill. I'm sure a similar system could work in NZ.
I love how racer X turns a question about insurance into a diatribe about how terrible america is and some shit about minorities. I didn't say that people shouldn't be treated, your imagination is rampant but I did question the ethics of no personal accountability.
Here's a scenario: I am uninsured in NZ. I cause an accident that leads to the death of four people. Their insurance pays for the car, the gov pays for the deaths, and I go with my buddies to the pub that night.
I am uninsured in the US. I cause an accident that leads to the death of four people. I have to pay for their car, I have to pay for each of their hospital bills and probably funerals. I would spend the rest of my life in bankruptcy trying to pay for their deaths and get sued by the families of each of the four people and rack up enormous bills for my own lawyer and court fees. Lawyers would get my money before I do and I would probably never have another penny as long as I live. If I'm lucky I'll go to jail for 10 years or more instead of the above scenario. If they live (barely) or take a while to die, the cost could quadruple.
Its called accountability.
Here's a scenario: I am uninsured in NZ. I cause an accident that leads to the death of four people. Their insurance pays for the car, the gov pays for the deaths, and I go with my buddies to the pub that night.
I am uninsured in the US. I cause an accident that leads to the death of four people. I have to pay for their car, I have to pay for each of their hospital bills and probably funerals. I would spend the rest of my life in bankruptcy trying to pay for their deaths and get sued by the families of each of the four people and rack up enormous bills for my own lawyer and court fees. Lawyers would get my money before I do and I would probably never have another penny as long as I live. If I'm lucky I'll go to jail for 10 years or more instead of the above scenario. If they live (barely) or take a while to die, the cost could quadruple.
Its called accountability.
i might put my first car on my dad's name, still thinking between an MX-5 bit cheaper in insurance and a Mazda RX-7 FC (150bhp, 1.3L turbo)
@ Flymik: And if u had children they would get their money to and so on
@ Flymik: And if u had children they would get their money to and so on
Meanwhile, as your uninsured, their uninsured, the four people you injure get to lie bleeding outside the hospital till you pay cash to get them treated.
Or they get to ring around to find someone who'll treat them for free, I've heard that Cuba is offering good deals for US citizens who can't get healthcare in the US.
That's called what ?????
In NZ, everyone gets free healthcare - That's called humanity !!!
Oh, and Mike, the figures I quoted were from the last US census, I didn't need to slag off the US, your own figures said enough I felt..........
It's not a question of 'personal responcibility', that can be sorted out regarding damaged caused to 'things' cars etc later. It can also be sorted out with criminal charges if your responsible for the accident.
Our system ensures that everyone receives primary health care immediatly when their injured, rather than establishing who's paying before they receive health care. There are some things in life more important than money. ( Unless you live in the US, yes, that was a dig ! )
#1600 isn't too bad for a 18 year old in a Nova. I paid near on #1800 in a 1.1 Metro when I was 18 and that was the cheapest I could find. As people say, it's the age, gender, location and car (also age of car and safety features - older cars tend to have less safety features) that makes up the premium.
It's even worse that my insurance company will no longer insure me on my project car (1988 Toyota Celica) until I'm 25, but a year or so ago they would give me quotes for that car, although bloody expensive ones.
I have noticed that when I was between 18-21 I could get quotes for fairly high powered vehicles at extremely high prices if I wanted, but now I've got full No-Claims bonus (well 5 years) most of these companies will no longer give me quotes until I'm 25. Seems like a money grabbing thing really, willing to insure for a stupidly high cost and then refuse insurance when there's no money in it for them.
I live in Cornwall now and insurance is nearly #100 cheaper than up in Nottingham. It's crazy. And whats worse, when I renewed my insurance this year, I could not find one company that would accept 5 years NCB without "written proof", although they all would gladly accept 4 years NCB without proof and charge me that bit extra!!
I'll leave you with this I found posted by someone on Usenet; it's about insurance.
It's even worse that my insurance company will no longer insure me on my project car (1988 Toyota Celica) until I'm 25, but a year or so ago they would give me quotes for that car, although bloody expensive ones.
I have noticed that when I was between 18-21 I could get quotes for fairly high powered vehicles at extremely high prices if I wanted, but now I've got full No-Claims bonus (well 5 years) most of these companies will no longer give me quotes until I'm 25. Seems like a money grabbing thing really, willing to insure for a stupidly high cost and then refuse insurance when there's no money in it for them.
I live in Cornwall now and insurance is nearly #100 cheaper than up in Nottingham. It's crazy. And whats worse, when I renewed my insurance this year, I could not find one company that would accept 5 years NCB without "written proof", although they all would gladly accept 4 years NCB without proof and charge me that bit extra!!
I'll leave you with this I found posted by someone on Usenet; it's about insurance.
Car Insurance...Joke?
(102 posts, started )
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